Refund policy

1. Consultation sessions

• Cancellation 24 hours or more before the scheduled session: full refund.
• Cancellation less than 24 hours before the scheduled session: no refund.
• One reschedule may be allowed at our discretion, subject to availability.
• No show: no refund.
• If Investment System cancels the session: you may choose either rescheduling or a full refund.

2. Free webinars

No payment is collected for free webinars, therefore no refund applies.

3. Paid webinars, if introduced in the future

• Cancellation 48 hours or more before the webinar: full refund.
• Cancellation less than 48 hours before the webinar: no refund.
• Once the webinar starts, or once recording or access has been provided: no refund.
• If Investment System cancels the webinar and no suitable alternative is provided: full refund.

4. Investment System Program

• Cancellation before the program starts and before access to any program materials, digital content, community, recorded content or the first session has been provided: full refund.
• Once access to the program, the digital materials, the community, the recorded content or the first program session has been provided: non refundable.
• If Investment System is unable to deliver the purchased program: full refund, or a proportional refund for the undelivered portion, as applicable.

5. Consultation packages and multi session packages

• Cancellation before the first session: full refund.
• After the package has started: only the value of unused sessions may be refundable.
• Completed or already consumed sessions are non refundable.
• Any applicable refund is calculated based on the unused portion of the package.

6. How to request a refund

Send your request to Emanakhly@aisgulf.com, or contact us on +20 103 061 6899, quoting the reference number in your payment confirmation, the service purchased and the reason for the request. We confirm receipt within 24 hours on working days and tell you whether the request is approved under the rules above.

7. How approved refunds are processed

• All approved refunds are returned to the original payment method used for the purchase. We cannot refund to a different card, account or person.
• Refund processing may take approximately 10 to 45 days depending on the issuing bank and the payment provider.
• Refunds are issued in the original transaction currency. Any difference caused by exchange rates or bank fees is outside our control.

8. Non refundable items

Sessions that have already taken place, program access that has already been granted, and materials or recordings that have already been delivered are non refundable, as set out in the sections above.